Property Buyer mortgage consultants helps buyers through the complicated and often stressful buying process as an extra service.
We also help to assess the property for fair valuation as an independent third party as we are not property agents.
We then help buyers find the best fit home loan mortgage for property buyers or owners looking to refinance their existing loans.
SMS us 9782 8606 to know more.
IPv6 Readiness - Preparing for the InevitableSkeeve Stevens
Skeeve Stevens gave a presentation about preparing networks for IPv6 transition. He discussed readiness reports his company eintellego performs to assess IPv6 capabilities across network infrastructure, servers, applications, and office infrastructure. The reports identify areas that need upgrades, provide recommendations, and advise on implementing results. Stevens said reports often find 60% of equipment lacks IPv6 support and completing all phases can be challenging. He urged organizations to start planning for IPv6, involve management, and accept their networks will need to change.
Aprendizaje de lenguas asistido por computadora o.galaviz inglesogalaviz
Computer assisted language learning (CALL) was implemented in the 1960s and 1970s using audio-lingual tools. The teacher has a role in language learning alongside technology, which has an important role in language acquisition by allowing new generations to learn in a more modern way. Several websites are listed that are suitable for English teachers and students to collaborate online, communicate, and share experiences learning English. The document concludes by thanking the authors.
Lumiga provides efficient lighting solutions that deliver maximum energy savings. With expertise in lighting technology and analysis, Lumiga works with manufacturing and business clients globally to identify and implement energy savings solutions without compromising operational performance. Lumiga focuses on residential, commercial, and retail lighting needs to create well-illuminated and secure environments while achieving cost savings through energy efficiency.
Geología cuadrangulo de cajamarca %2815f%29%2 c san marcos %2815g%29 y caja...Wilmer Vera Sanchez
El documento describe la geología de los cuadrángulos de Cajamarca, San Marcos y Cajabamba en el norte de Perú. Presenta la estratigrafía, geomorfología, estructura geológica e historia geológica del área. La secuencia estratigráfica más baja data del Paleozoico y la más alta de depósitos cuaternarios. La región ha experimentado varios eventos tectónicos desde el Cretácico que han dado lugar a plegamientos y fallas. El área contiene dep
El documento describe una presentación sobre la herramienta Daptiv PPM para la gestión del portafolio de proyectos que tendrá lugar el 16 de octubre. La presentación incluirá información sobre Daptiv PPM, un caso de éxito de Grupo Prisa y un café. Los asistentes interesados deben confirmar su asistencia con IberManager.
La Unión Europea ha acordado un paquete de sanciones contra Rusia por su invasión de Ucrania. Las sanciones incluyen restricciones a los bancos rusos, la prohibición de exportaciones de alta tecnología a Rusia y la congelación de activos de oligarcas rusos. Los líderes de la UE esperan que estas medidas disuadan a Rusia de continuar su agresión militar contra Ucrania.
This document discusses using a backwards design approach for academic advising. It recommends that advisors 1) identify desired learning outcomes for students, 2) determine how to assess if students achieved those outcomes, and 3) plan learning experiences and advising approaches. Specific strategies mentioned include using learning management systems, social media, cohorts for advisees, and collaborative learning communities to enhance advising. Assessment of advising outcomes is also addressed.
IPv6 Readiness - Preparing for the InevitableSkeeve Stevens
Skeeve Stevens gave a presentation about preparing networks for IPv6 transition. He discussed readiness reports his company eintellego performs to assess IPv6 capabilities across network infrastructure, servers, applications, and office infrastructure. The reports identify areas that need upgrades, provide recommendations, and advise on implementing results. Stevens said reports often find 60% of equipment lacks IPv6 support and completing all phases can be challenging. He urged organizations to start planning for IPv6, involve management, and accept their networks will need to change.
Aprendizaje de lenguas asistido por computadora o.galaviz inglesogalaviz
Computer assisted language learning (CALL) was implemented in the 1960s and 1970s using audio-lingual tools. The teacher has a role in language learning alongside technology, which has an important role in language acquisition by allowing new generations to learn in a more modern way. Several websites are listed that are suitable for English teachers and students to collaborate online, communicate, and share experiences learning English. The document concludes by thanking the authors.
Lumiga provides efficient lighting solutions that deliver maximum energy savings. With expertise in lighting technology and analysis, Lumiga works with manufacturing and business clients globally to identify and implement energy savings solutions without compromising operational performance. Lumiga focuses on residential, commercial, and retail lighting needs to create well-illuminated and secure environments while achieving cost savings through energy efficiency.
Geología cuadrangulo de cajamarca %2815f%29%2 c san marcos %2815g%29 y caja...Wilmer Vera Sanchez
El documento describe la geología de los cuadrángulos de Cajamarca, San Marcos y Cajabamba en el norte de Perú. Presenta la estratigrafía, geomorfología, estructura geológica e historia geológica del área. La secuencia estratigráfica más baja data del Paleozoico y la más alta de depósitos cuaternarios. La región ha experimentado varios eventos tectónicos desde el Cretácico que han dado lugar a plegamientos y fallas. El área contiene dep
El documento describe una presentación sobre la herramienta Daptiv PPM para la gestión del portafolio de proyectos que tendrá lugar el 16 de octubre. La presentación incluirá información sobre Daptiv PPM, un caso de éxito de Grupo Prisa y un café. Los asistentes interesados deben confirmar su asistencia con IberManager.
La Unión Europea ha acordado un paquete de sanciones contra Rusia por su invasión de Ucrania. Las sanciones incluyen restricciones a los bancos rusos, la prohibición de exportaciones de alta tecnología a Rusia y la congelación de activos de oligarcas rusos. Los líderes de la UE esperan que estas medidas disuadan a Rusia de continuar su agresión militar contra Ucrania.
This document discusses using a backwards design approach for academic advising. It recommends that advisors 1) identify desired learning outcomes for students, 2) determine how to assess if students achieved those outcomes, and 3) plan learning experiences and advising approaches. Specific strategies mentioned include using learning management systems, social media, cohorts for advisees, and collaborative learning communities to enhance advising. Assessment of advising outcomes is also addressed.
El documento presenta BioTK Profesional, un software desarrollado por Numérica Ltda. para la disección interactiva del cuerpo humano utilizando imágenes médicas reales. El software permite explorar de forma detallada cada órgano a través de funciones como cortes en 3D, cambios de color y transparencia. Ha recibido reconocimientos por su alto contenido de investigación y ha sido adoptado por varias universidades.
El documento resume las principales características de las negociaciones con estadounidenses y africanos. En cuanto a los estadounidenses, valora la puntualidad, el ir directo al grano y la importancia de los resultados. Con los africanos, destaca que los sudafricanos pueden adoptar una actitud de "lo toma o lo deja" debido a su etnocentrismo y creencia de que el mundo necesita a su país. Recomienda evitar críticas negativas sobre el país o temas controversiales durante las negociaciones.
This document from the NSW Department of Education and Training outlines principles of assessment and reporting in NSW public schools. It discusses 8 principles of assessment, including that assessment should be relevant, appropriate, fair, accurate, and provide useful information. It also outlines 8 principles of reporting to parents, such as reports being easy to understand, showing a student's current abilities and progress, and being constructive. The purpose is to improve student learning through effective assessment and communication of learning to parents and stakeholders.
Los colores primarios amarillo, azul y rojo se enumeran al principio, seguidos por colores secundarios como verde y naranja derivados de esos colores. Al final se mencionan el blanco y el negro como colores neutros.
La mudanza de la humanidad la fuerza transformadora de las ciudades resumenGraciela Mariani
La mudanza de la humanidad: La fuerza transformadora de las ciudades – Resumen PDF (617 KB)
Versión completa en inglés. www.wbgu.de/urbantransformation
Samantha Cochran proposes the development of a home office in Orlando, FL as a Document Specialist II for Global Dynamics. She provides details on necessary equipment and supplies within a $5,000 initial budget and $600 monthly budget. Items include a laptop, printer, scanner, software, furniture and a security system. The home office will allow her to conduct video calls, meetings and research to extend Global Dynamics' services to central Florida clients without a commercial office.
El documento presenta una lista de ofertas y promociones de Movistar para líneas nuevas y portadas, incluyendo precios especiales para llamadas internacionales y roaming. También se enumeran los precios y especificaciones de varios teléfonos celulares de las marcas Blackberry, Nokia, Motorola y LG.
Este documento describe la instalación y configuración de un servidor web llamado Iron Wall. Se explica cómo se instaló el servidor, se definieron las páginas de inicio y error, se modificó el puerto predeterminado, se creó un usuario con contraseña para restringir el acceso, y se bloqueó el acceso desde la IP de un compañero. Finalmente, se observó el registro de actividad y las estadísticas del servidor.
La hoja de vida presenta los datos personales, estudios y experiencia laboral de Juan Dávila. Detalla que es diseñador de modas con estudios en diseño de modas en la Universidad Antonio Nariño de Cali. Ha trabajado como gerente de diseño en Colmoda, director de modas en Coltejer y actualmente es diseñador de modas en DiseñoArt. Incluye referencias laborales y personales.
Este documento describe las lesiones primarias de la piel, incluyendo maculas, pápulas, nódulos, vesículas, pústulas, habones y quistes. Define cada lesión y proporciona ejemplos de enfermedades que pueden causarlas. Las lesiones primarias son nuevas y no están asociadas con lesiones previas, y la mayoría de enfermedades cutáneas presentan alguna lesión primaria en algún estadio de su evolución.
Este documento describe las metodologías ágiles y el desarrollo guiado por pruebas. Explica que las metodologías ágiles como Scrum y Extreme Programming ven los cambios de requisitos como oportunidades en lugar de amenazas. Luego describe brevemente el Manifiesto Ágil y algunas de las metodologías más populares como XP. Finalmente, se enfoca en el desarrollo guiado por pruebas como parte integral de XP, explicando que las pruebas guían el desarrollo del código.
1) US interest rates are expected to continue rising due to high inflation and full employment in the US economy. This will likely lead to capital outflows from other countries and currency fluctuations globally.
2) Malaysia's ringgit currency is susceptible to speculation due to its free-floating exchange rate regime. However, Malaysia's economic fundamentals remain strong, with high growth potential and moderate debt levels.
3) Investors are advised to take a long term view of at least 5-10 years when investing in Malaysia, as political instability and currency volatility may persist in the short term. Malaysia's assets remain relatively attractive for long term investment.
This document contains predictions for the year 2016 from a Fengshui master. It provides 18 predictions for the year, which include natural disasters, financial matters, and explosions. It also discusses which industries and animal signs will perform well or poorly in the year. The predictions are based on the master's analysis of the annual Flying Star chart and elemental combinations for the year.
Master Lynn Yap provides predictions for the upcoming Lunar New Year 2015, known as the Wood Goat year. Some key points include:
- 2015 will be a difficult year full of obstacles. Travel should be avoided if possible due to risks of accidents.
- The water industry will face challenges. People may become more stubborn, angry, and temperamental.
- Infectious diseases will be a theme. The Goat sign itself is peaceful but can become stubborn and angry if offended.
- February 4th is an important date to observe for signs on how the year will go, and people should visit the bank that day wearing red and depositing money to attract wealth and prosperity.
This document contains predictions for the Year of the Snake in 2013 by feng shui master Lynn Yap. She describes 2013 as a "blue snake" year that will be unstable and bring financial issues globally. Those born in the snake or pig years, or whose birth hours contain snake or pig, will face difficulties. The document provides extensive feng shui tips and predictions regarding wealth, health, relationships, and other life areas for the coming year. Master Yap advises going to the bank on February 4, 2013 while wearing red to improve one's financial situation.
The document provides predictions for the Chinese year of the Dragon in 2012. It discusses that 2012 will be a challenging year with issues around money, natural disasters, and the environment. Certain animal signs, Dragon and Dog, will face more difficulties. Industries involving metal will do very well while water industries will average. The document makes 17 specific predictions for 2012 and provides forecasts for the 12 animal signs for the coming year.
This document provides predictions for the year 2012 according to the Chinese zodiac. It begins with an introduction of the author and describes 2012 as a "challenging" year with difficulties related to money, natural disasters, and the environment. It then provides general predictions for the year, noting it will be a "Water Dragon" year. Several predictions are given regarding finances, health, relationships, and other life areas. Industries related to fire, earth, and metal are predicted to do well. Predictions are also provided for each of the 12 animal signs.
Master Lynn Yap, the resident Feng Shui Master on www.PropertyBuyer.com.sg predicts the Feng Shui for 2012. What are the dos and don'ts for 2012. How to avoid pitfalls and accelerate gains.
Master Lynn Yap has again kindly shared her wisdom with us at www.PropertyBUYER.com.sg. We are grateful to Master Lynn Yap. She shares the insights into 2011 rabbit year and various dos and don't in property investing as well as other forms of investments.
El documento presenta BioTK Profesional, un software desarrollado por Numérica Ltda. para la disección interactiva del cuerpo humano utilizando imágenes médicas reales. El software permite explorar de forma detallada cada órgano a través de funciones como cortes en 3D, cambios de color y transparencia. Ha recibido reconocimientos por su alto contenido de investigación y ha sido adoptado por varias universidades.
El documento resume las principales características de las negociaciones con estadounidenses y africanos. En cuanto a los estadounidenses, valora la puntualidad, el ir directo al grano y la importancia de los resultados. Con los africanos, destaca que los sudafricanos pueden adoptar una actitud de "lo toma o lo deja" debido a su etnocentrismo y creencia de que el mundo necesita a su país. Recomienda evitar críticas negativas sobre el país o temas controversiales durante las negociaciones.
This document from the NSW Department of Education and Training outlines principles of assessment and reporting in NSW public schools. It discusses 8 principles of assessment, including that assessment should be relevant, appropriate, fair, accurate, and provide useful information. It also outlines 8 principles of reporting to parents, such as reports being easy to understand, showing a student's current abilities and progress, and being constructive. The purpose is to improve student learning through effective assessment and communication of learning to parents and stakeholders.
Los colores primarios amarillo, azul y rojo se enumeran al principio, seguidos por colores secundarios como verde y naranja derivados de esos colores. Al final se mencionan el blanco y el negro como colores neutros.
La mudanza de la humanidad la fuerza transformadora de las ciudades resumenGraciela Mariani
La mudanza de la humanidad: La fuerza transformadora de las ciudades – Resumen PDF (617 KB)
Versión completa en inglés. www.wbgu.de/urbantransformation
Samantha Cochran proposes the development of a home office in Orlando, FL as a Document Specialist II for Global Dynamics. She provides details on necessary equipment and supplies within a $5,000 initial budget and $600 monthly budget. Items include a laptop, printer, scanner, software, furniture and a security system. The home office will allow her to conduct video calls, meetings and research to extend Global Dynamics' services to central Florida clients without a commercial office.
El documento presenta una lista de ofertas y promociones de Movistar para líneas nuevas y portadas, incluyendo precios especiales para llamadas internacionales y roaming. También se enumeran los precios y especificaciones de varios teléfonos celulares de las marcas Blackberry, Nokia, Motorola y LG.
Este documento describe la instalación y configuración de un servidor web llamado Iron Wall. Se explica cómo se instaló el servidor, se definieron las páginas de inicio y error, se modificó el puerto predeterminado, se creó un usuario con contraseña para restringir el acceso, y se bloqueó el acceso desde la IP de un compañero. Finalmente, se observó el registro de actividad y las estadísticas del servidor.
La hoja de vida presenta los datos personales, estudios y experiencia laboral de Juan Dávila. Detalla que es diseñador de modas con estudios en diseño de modas en la Universidad Antonio Nariño de Cali. Ha trabajado como gerente de diseño en Colmoda, director de modas en Coltejer y actualmente es diseñador de modas en DiseñoArt. Incluye referencias laborales y personales.
Este documento describe las lesiones primarias de la piel, incluyendo maculas, pápulas, nódulos, vesículas, pústulas, habones y quistes. Define cada lesión y proporciona ejemplos de enfermedades que pueden causarlas. Las lesiones primarias son nuevas y no están asociadas con lesiones previas, y la mayoría de enfermedades cutáneas presentan alguna lesión primaria en algún estadio de su evolución.
Este documento describe las metodologías ágiles y el desarrollo guiado por pruebas. Explica que las metodologías ágiles como Scrum y Extreme Programming ven los cambios de requisitos como oportunidades en lugar de amenazas. Luego describe brevemente el Manifiesto Ágil y algunas de las metodologías más populares como XP. Finalmente, se enfoca en el desarrollo guiado por pruebas como parte integral de XP, explicando que las pruebas guían el desarrollo del código.
1) US interest rates are expected to continue rising due to high inflation and full employment in the US economy. This will likely lead to capital outflows from other countries and currency fluctuations globally.
2) Malaysia's ringgit currency is susceptible to speculation due to its free-floating exchange rate regime. However, Malaysia's economic fundamentals remain strong, with high growth potential and moderate debt levels.
3) Investors are advised to take a long term view of at least 5-10 years when investing in Malaysia, as political instability and currency volatility may persist in the short term. Malaysia's assets remain relatively attractive for long term investment.
This document contains predictions for the year 2016 from a Fengshui master. It provides 18 predictions for the year, which include natural disasters, financial matters, and explosions. It also discusses which industries and animal signs will perform well or poorly in the year. The predictions are based on the master's analysis of the annual Flying Star chart and elemental combinations for the year.
Master Lynn Yap provides predictions for the upcoming Lunar New Year 2015, known as the Wood Goat year. Some key points include:
- 2015 will be a difficult year full of obstacles. Travel should be avoided if possible due to risks of accidents.
- The water industry will face challenges. People may become more stubborn, angry, and temperamental.
- Infectious diseases will be a theme. The Goat sign itself is peaceful but can become stubborn and angry if offended.
- February 4th is an important date to observe for signs on how the year will go, and people should visit the bank that day wearing red and depositing money to attract wealth and prosperity.
This document contains predictions for the Year of the Snake in 2013 by feng shui master Lynn Yap. She describes 2013 as a "blue snake" year that will be unstable and bring financial issues globally. Those born in the snake or pig years, or whose birth hours contain snake or pig, will face difficulties. The document provides extensive feng shui tips and predictions regarding wealth, health, relationships, and other life areas for the coming year. Master Yap advises going to the bank on February 4, 2013 while wearing red to improve one's financial situation.
The document provides predictions for the Chinese year of the Dragon in 2012. It discusses that 2012 will be a challenging year with issues around money, natural disasters, and the environment. Certain animal signs, Dragon and Dog, will face more difficulties. Industries involving metal will do very well while water industries will average. The document makes 17 specific predictions for 2012 and provides forecasts for the 12 animal signs for the coming year.
This document provides predictions for the year 2012 according to the Chinese zodiac. It begins with an introduction of the author and describes 2012 as a "challenging" year with difficulties related to money, natural disasters, and the environment. It then provides general predictions for the year, noting it will be a "Water Dragon" year. Several predictions are given regarding finances, health, relationships, and other life areas. Industries related to fire, earth, and metal are predicted to do well. Predictions are also provided for each of the 12 animal signs.
Master Lynn Yap, the resident Feng Shui Master on www.PropertyBuyer.com.sg predicts the Feng Shui for 2012. What are the dos and don'ts for 2012. How to avoid pitfalls and accelerate gains.
Master Lynn Yap has again kindly shared her wisdom with us at www.PropertyBUYER.com.sg. We are grateful to Master Lynn Yap. She shares the insights into 2011 rabbit year and various dos and don't in property investing as well as other forms of investments.
The document provides predictions for the year 2011 according to Master Lynn Yap's fengshui analysis. It includes 16 predictions for the year, which industries will perform well/average/poorly, and forecasts for the 12 animal signs. Some key points are that 2011 will be a generally good year with risks of natural disasters, legal issues, and environmental problems. The stock market and industries related to fire, water, and wood are predicted to do well. The rabbit and rooster animal signs may face difficulties.
The SVN® organization shares a portion of their new weekly listings via their SVN Live® Weekly Property Broadcast. Visit https://svn.com/svn-live/ if you would like to attend our weekly call, which we open up to the brokerage community.
Stark Builders: Where Quality Meets Craftsmanship!shuilykhatunnil
At Stark Builders our vision is to redefine the renovation experience by combining both stunning design and high quality construction skills. We believe that by delivering both these key aspects together we are able to achieve incredible results for our clients and ensure every project reflects their vision and enhances their lifestyle.
Although we are not all related by blood we have created a team of highly professional and hardworking individuals who share the common goal of delivering beautiful and functional renovated spaces. Our tight nit team are able to work together in a way where we pour our passion into each and every project as we have a love for what we do. Building is our life.
Living in an UBER World - June '24 Sales MeetingTom Blefko
June 2024 Lancaster County Sales Meeting for Berkshire Hathaway HomeServices Homesale Realty covering the following topics: 1. VA Suspends Buyer Agent Payment Plan (article), 2. Frequently Used Terms in title, 3. Zillow Showcase Overview, 4. QuickBuy commission promotion, 5. Documenting Cooperative Compensation, 6. NAR's Code of Ethics - Mass Media Solicitations, 7. Is it really cheaper to rent? 8. Do's and Don't's when Terminating the Agreement of Sale, 9. Living in an UBER World
Andhra Pradesh, known for its strategic location on the southeastern coast of India, has emerged as a key player in India’s industrial landscape. Over the decades, the state has witnessed significant growth across various sectors,
Gianluigi Torzi | Managing Director and Head of Capital MarketsGianluigi Torzi
Gianluigi Torzi is a prominent figure in the financial industry, known for his strategic leadership as Managing Director and Head of Capital Markets for the Middle East and Africa. Gianluigi Torzi extensive experience in investment banking equips him with the skills to navigate complex financial landscapes and deliver exceptional results for clients
Anilesh Ahuja Pioneering a Paradigm Shift in Real Estate Success.pptxneilahuja668
Anilesh Ahuja journey is a testament to the power of vision, resilience, and unwavering determination. As a visionary leader, he continues to inspire and empower others to dream big and challenge the status quo. His legacy extends far beyond the realm of real estate, leaving an indelible mark on the industry and the world at large.
Signature Global TITANIUM SPR | 3.5 & 4.5BHK High rise Apartments in Gurgaonglobalsignature2022
Signature Global TITANIUM SPR launched a high rise apartments in Gurgaon . In this project Signature Global offers 3.5 & 4.5 BHK high rise Apartment at sector 71 Gurgaon SPR Road. Signature Global Titanium SPR is IGBC Gold certified, a testament to our commitment to sustainability.
Selling your home can be easy. Our team helps make it happen.Eric B. Slifkin, PA
Why hire one realtor when you can hire a team for the exact cost? Our team ensures better service, communication, and efficiency, which can make all the difference in finding your perfect home or securing the right buyer. See how we market homes for sellers.
36,778 sq. ft. building; Zoning: SE (Suburban Employment): The (SE) District allows numerous commercial site uses; Passenger elevator; Private and common restrooms; Fully sprinkled; Data center with a grounded floor and a specialized HVAC system; 60 KVA back-up generator; Building/pylon signage; Potential to purchase adjacent parcels; Sale Price: $4,413,360
Why is Revit MEP Outsourcing considered an as good option for construction pr...MarsBIM1
Outsourcing MEP modeling services require effective collaboration and coordination amongst multiple engineering trades. The engineers and the designers often change the details of the MEP projects, but the work of Revit MEP drafting services is having the master plan and model of the complete project. To have proper coordination and installation, there is a need to execute the project effectively. Hence, the work of Revit family creation facilitates the MEP engineers.
Listing Turkey - Piyalepasa Istanbul CatalogListing Turkey
We are working around the clock to transform a long-time dream into reality. As a result, Piyalepasa Istanbul will be the largest privately developed urban regeneration project in Turkey.
THE NEIGHBORHOOD WE HAVE BEEN LONGING FOR IS COMING TO LIFE
The good old days of the Piyalepasa neighborhood are being brought back to life with Piyalepasa Istanbul houses, residences, offices, hotels and a pedestrianized shopping avenue.
The wide streets of this 82.000 square meter development conveniently face the main boulevard in a prime Beyoglu location. “Piyalepaşa İstanbul” stands out as the only project designed to offer a neighborhood lifestyle, complete with its grocers, bagel sellers and greengrocer. Piyalepasa Istanbul has all the values to make it an authentic neighborhood, our very own community.
A NEIGHBORHOOD FULL OF LIFE, IN THE HEART OF THE CITY!
“Piyalepaşa İstanbul” is a “mixed-use” concept containing all the elements for a vibrant social life with houses, residences, offices, hotels and high street shopping.
“Piyalepaşa İstanbul” will take the liveliness of Istanbul into its heart. The elegant sparkle of Nisantasi, the young and colorful Besiktas, the variety and multicultural heritage of Istiklal Street will all be contained within the streets of this neighborhood.
“Piyalepaşa İstanbul” bears traces of the most beautiful examples of Turkish architecture from the Seljuks to the Ottomans and from Anatolia to Rumelia. With its graded facades, wide eaves, bay windows, pools, and interior courtyard systems, it offers a new living space without disrupting the city’s silhouette and neighborhood.
“Piyalepaşa İstanbul” is the new attraction of this splendid city.
TO BE AT THE CENTER OF ISTANBUL… THIS IS REAL LUXURY!
With its proximity to D-100 highway, connecting roads and tunnels, “Piyalepaşa İstanbul” is only minutes away from Kabatas, Besiktas, the Golden Horn and Karakoy.
“Piyalepaşa İstanbul” is close to the prestigious new Istanbul Court House, a major hospital, the Perpa trade center and the city’s most lively neighborhoods. With its shuttle service to Okmeydani Metrobus station, Sishane and the Court House subway stations, “Piyalepaşa İstanbul” will provide you with the most convenient transport connections.
https://listingturkey.com/property/piyalepasa-istanbul/
Expressways of India: A Comprehensive Guidenarinav14
India’s expressway network is a testament to the nation’s dedication to improving infrastructure and connectivity. These high-speed corridors facilitate seamless travel across vast distances, reducing travel time and fuel consumption
1. SMS: +65 9782 8606
http://www.singaporehomeloan.net Home Loans
loans@propertybuyer.com.sg Commercial Loans
Buying a property in Singapore Safely
www.PropertyBuyer.com.sg/mortgage
Not just Cheap But what fits !
2. SMS: +65 9782 8606
http://www.singaporehomeloan.net Home Loans
loans@propertybuyer.com.sg Commercial Loans
Why are you buying a residential property?
• Are you buying for investment or residential use?
• Buying for residential use and investment has different
considerations.
• Contact Property Buyer Mortgage Consultants to know more.
Not just Cheap But what fits !
3. SMS: +65 9782 8606
http://www.singaporehomeloan.net Home Loans
loans@propertybuyer.com.sg Commercial Loans
Considerations for buying a residential property
• Work out a budget and affordability
• Select your location
• Decide on suitable housing types and size
• Decide on whether you would like Freehold or 99 years
properties
• Decide on traffic connectivity
• Check for major road lines
• Check for amenities such as schools and supermarkets
Not just Cheap But what fits !
4. SMS: +65 9782 8606
http://www.singaporehomeloan.net Home Loans
loans@propertybuyer.com.sg Commercial Loans
Sourcing your property
• Go to www.propertybuyer.com.sg search engine or any
property listings portals to identify properties
• Search as wide as possible
• Make a list of property in the shortlisted spreadsheet
about asking price, agent’s phone number and address.
• If you do not know the unit number and size, because agent
don’t want to reveal, then multiple listings could refer to 1 single
property.
• Make sure to take the time to view the property.
Not just Cheap But what fits !
5. SMS: +65 9782 8606
http://www.singaporehomeloan.net Home Loans
loans@propertybuyer.com.sg Commercial Loans
Property Buying Research – Cheap?
• Properties may sound cheap, often there are reasons,
such as: -
• Lengthy Probate cases (transfer of ownership due to death)
• Divorce cases
• Unnatural deaths
• Bankruptcy
• Property affected by reclamation or forced acquisition
Not just Cheap But what fits !
6. SMS: +65 9782 8606
http://www.singaporehomeloan.net Home Loans
loans@propertybuyer.com.sg Commercial Loans
Property Buying Research – Benchmark tests
• Using Caveats from URA, conduct price checks.
• Check against similar properties and variances in prices
• Check against the relative price differences across different
regions.
• Note: Property agents often mark up property prices by 10 to 20%
in classifieds and advertisements so as to allow room for
negotiation. So you have to check actual transacted prices instead.
• Check property vacancy rates and rental returns.
Not just Cheap But what fits !
7. SMS: +65 9782 8606
http://www.singaporehomeloan.net Home Loans
loans@propertybuyer.com.sg Commercial Loans
Property Buying Research – Future Trend
•If you are spending $1m to $2m to buy a property, you may want to
consider spending some money to buy a subscription to URA’s Realis.
URA’s realis provides comprehensive data on: -
• Supply in the pipeline break-down by projects and location
• Vacancy rates of property developments (This helps to
determine rental demand)
•Look into Demographic data at Singstat to understand the net
immigration rate.
•Investigate URA master plan to understand the trends and
developments.
Not just Cheap But what fits !
8. SMS: +65 9782 8606
http://www.singaporehomeloan.net Home Loans
loans@propertybuyer.com.sg Commercial Loans
Property Buying Research – History price
•Look into previous year’s caveats to understand the relative price
benchmarks and movements in property prices across different
regions in Singapore.
•Determine whether the current price is high on a historical level.
•Determine whether these price rises have come together with better
attributes such as a better environment or amenities or is it purely the
same property being sold for more expensive rate.
Not just Cheap But what fits !
9. SMS: +65 9782 8606
http://www.singaporehomeloan.net Home Loans
loans@propertybuyer.com.sg Commercial Loans
Property Buying Research – Others
•Look at the current macro economic trend in Singapore and
worldwide. Make your own assessment.
•Look at vacancy rate of properties.
•Look at yield of properties. (Is it cheaper to rent or to buy?)
• http://propertybuyer.com.sg/articles/singapore-property-investor-buye
•Look at interest rate costs and understand interest rate trends such
as that of Sibor or SOR.
Not just Cheap But what fits !
10. SMS: +65 9782 8606
http://www.singaporehomeloan.net Home Loans
loans@propertybuyer.com.sg Commercial Loans
Property Buying Process
•Communicate your offer price to seller’s agent.
•As property agents cannot represent both sides, so you are better
equipped with a buyer agent, however Buyer agent may not be able to
act in your interest if they are not paid. But with so much regulation,
most property transactions are likely to become more expensive.
• (Note: Most seller agent most likely do not want to share their
commission with the buyer agent, hence this model does not
really work yet.)
•In many cases, you will only see a Seller Agent when you view the
property.
Not just Cheap But what fits !
11. SMS: +65 9782 8606
http://www.singaporehomeloan.net Home Loans
loans@propertybuyer.com.sg Commercial Loans
Property Buying Process – Financing
•Contact a Mortgage Consultant: -
• Get the property address, unit number, size and asking prices
to a mortgage consultant who will help you to assess the fair
value.
• Calculate your estimated maximum borrowing level.
• Do an approval in principle so as to assure that you have a
loan in hand before making an offer.
• Shortlist appropriate home loan packages for application.
Not just Cheap But what fits !
12. SMS: +65 9782 8606
http://www.singaporehomeloan.net Home Loans
loans@propertybuyer.com.sg Commercial Loans
Property Buying Process - Negotiations
•Make sure you go prepared, as property agents are trained in price
negotiation skills.
•Make an offer to the seller and subject to an actual option to
purchase. (Not offer to purchase)
• NOTE: Property buyers must “sight” the contract and make
sure that the names correspond to that shown in Singapore
Land authority showing ownership of the property so as to
make sure to pay to the right party.
• Make your cheque out to the correct names indicated to
complete the Option to purchase. (Do not pay to agent)
Not just Cheap But what fits !
13. SMS: +65 9782 8606
http://www.singaporehomeloan.net Home Loans
loans@propertybuyer.com.sg Commercial Loans
Property Buying Process
•Upon receiving your Option to purchase. You have usually 14 days to
exercise the option. (NOTE: When you exercise the option, the act of
purchasing the property is irrevocable, you have to complete the
purchase)
• The usual validity of the Option to purchase is 14 days. But can
be mutually negotiated and agreed upon.
• At this point (If you had already use a Mortgage Consultant),
you would have a bank loan approved in principle.
•Sign bank’s letter of offer
Not just Cheap But what fits !
14. SMS: +65 9782 8606
http://www.singaporehomeloan.net Home Loans
loans@propertybuyer.com.sg Commercial Loans
Property Buying Process
• After getting a loan confirmed, arrange with the law firm
to exercise option. (Note: try to get a bank loan before
exercising option. Else you may risk bankruptcy.)
• Another 2 weeks from exercising option, the Property
Buyer stamp duty comes due.
• Another 8 weeks on (typical), the property is completed,
the full agree loan quantum is disbursed to seller and
your bank receives the title deeds and you receive the
keys.
Not just Cheap But what fits !
15. SMS: +65 9782 8606
http://www.singaporehomeloan.net Home Loans
loans@propertybuyer.com.sg Commercial Loans
Property Buying Process
• Landed Properties and buying a Condo yet to be built
may have a slightly different process.
• Do check with us.
Not just Cheap But what fits !
16. SMS: +65 9782 8606
http://www.singaporehomeloan.net Home Loans
loans@propertybuyer.com.sg Commercial Loans
About Property Buyer Mortgage Consultants
• We are NOT property agents.
• (If you wish, we may refer you to agents which we find honest.)
• Guide and help buyers with valuations and processes.
• Help buyers find the best match bank loans.
• Our services are free to you as we act a bit like
“Outsourced bankers” where we are paid a commission.
(Banks save on payroll, while we are driven to help
buyers. Win-win situation.)
Not just Cheap But what fits !
17. SMS: +65 9782 8606
http://www.singaporehomeloan.net Home Loans
loans@propertybuyer.com.sg Commercial Loans
Contact Property Buyer Mortgage Consultants
(Business registration 200618162C)
Home loans and commercial loans for buying or refinancing.
Tel : + 65 6100 0608
Sms: + 65 9782 8606
Email: loans@propertybuyer.com.sg
URL:
http://www.SingaporeHomeLoan.net
http://www.PropertyBuyer.com.sg/mortgage
http://www.iCompareLoan.com
Not just Cheap But what fits !